The Company is a leading Panamanian fintech specialist with a 5-year operating history, focusing on providing financial inclusion to underbanked and unbanked individuals. It operates a proprietary, tech-enabled credit model specializing in smartphone financing with advanced remote-locking capabilities to secure assets and mitigate credit risk.
Investment Rationale
Proven Scalability: Successfully originated over 21,000 loans in the last two years with a business model replicable across the Latin American region.
Proprietary Risk Mitigation: Utilizes alternative scoring models and non-traditional variables combined with direct technological control over financed hardware to ensure high repayment rates.
Strong Financial Traction: Demonstrated rapid growth with plans to scale from 21,000 to over 310,000 originated loans by 2030.
Robust Capital Protection: Investment is supported by a trust structure administered by a professional fiduciary, including portfolio-backed guarantees and an assignment of cash flows.
Key Financial Highlights
Metric
2024 - 2025 (Projected/Actual)
2030 (Projected)
Gross Revenue
~USD 2.7 Million
~USD 38.8 Million
Loan Portfolio Balance
~USD 1.4 Million
~USD 5.2 Million
Cumulative Loans
21,000+
312,000+
Transaction Details
Type: Hybrid Investment (Equity focus).
Target Amount: USD 5,000,000.
Equity Participation: Up to 51%.
Target Return: Average annual Internal Rate of Return (IRR) of 20%.
Investment Term: 60 months with open exit options.
Use of Funds: 90% allocated to credit portfolio expansion; 10% to operational and technological enhancements.
Currency: USD
Target Price / Revenue: 3.7x
Target Price / EBITDA: TBD
